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All comparisons
Head-to-head, 2026

Capital One QuicksilverOne Rewards Capital One Spark Cash

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Capital One QuicksilverOne Rewards

Capital One

QuicksilverOne Rewards

Annual fee
$39
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 5×travel · Capital One Cash Back
  • 1.5×all other purchases · Capital One Cash Back

Key benefits

  • Automatic Credit Line Reviews · $100
  • Auto Rental Collision Damage Waiver · $50
  • CreditWise Credit Monitoring · $30
  • No Foreign Transaction Fees · $30
  • 24-Hour Travel Assistance Services · $10
Full Capital One QuicksilverOne Rewards review

Capital One

Spark Cash

Annual fee
$95
Network
visa
Welcome value
$1,000
Min spend
$10,000 / 3mo

Top earning rates

  • 5×hotels
  • 5×car rentals
  • 2×all other purchases

Key benefits

  • Annual Fee Refund (Spend Tier) · $150
  • Free Employee Cards · $50
  • Account Managers · $0
  • $0 Fraud Liability · $0
  • Year-end Summaries · $0
Full Capital One Spark Cash review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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